We understand that when accessing our website
or interacting with us
online, the privacy and confidentiality of personal information
is important to our customers. That's why we are committed
to safeguarding the personal and financial details you provide
us.

The following explains what information
we gather from you when you go
to our website, how we use that information and how you can
contact us
for more information.

The information
we collect
Each time someone visits our site, our web server collects
the following
types of information:
* The number of users who visit
* The date and time of visits
* The number of pages viewed
* How users navigate through the site

No attempts are made to identify anyone
browsing our site. The data is captured so that we can accurately
evaluate the quality of our content and make improvements
for you.

How we capture
information
We use technology called cookies when you visit our site.
Cookies are small pieces of information which can be stored
on your hard drive (persistent cookies) or in memory (session
cookies). They can record information about your visit to
the site, allowing it to remember you next time you visit
and provide a more meaningful experience.

We use cookies to offer you increased security.
Despite common myths, the cookies we send to your PC cannot
read your hard drive, obtain any information from your browser
or command your computer to perform any action. They are designed
so that they cannot be sent to another site or be retrieved
by any site other than Website Managers.

There are
two types of cookies:Persistent cookies  identify pages accessed and
provide personalised features, for example choosing which
page you would like to make your start page. They are used
to help us develop the design and layout of the web site,
improve applications, and measure their effectiveness.

Session cookies  are used for
security reasons as part of the customer identification process.
These cookies allow you to be recognised once you have signed
in and provide you with your confidential account information.
They also keep track of time spent on a page, so that if a
session remains inactive for some time it will automatically
be terminated for your protection. We also use these types
of cookies in multi page forms, to help the site remember
what you do from one page to the next.

How we use
your information
The type of information we collect from you will depend on
what online services you use. Details can be found in the
terms and conditions of our products and services.

When applying for our products or services
online we may request personal information such as your name
and address, account details, email address and contact phone
numbers. We also tell you how we use the personal information
we collect, who we give access to that information and how
you can access it, if we have retained it.

We may use your email address to send regular
communications about other products or services you may be
interested in.

Permission
to contact you
You can choose not to receive further emails from us by withdrawing
your consent. To do this, just let us know by phone, fax,
or a simple email - Contact Us. We will confirm your request
by email, which you will need to respond to, this ensures
the security of our system.

Securing your
information
When we capture your personal information it is passed through
our secure server using encryption technology which scrambles
the information to ensure it is protected over the Internet.

Stored information about you is further
protected from unauthorised access through the use of firewalls,
secure passwords and sign in processes.

Contact us
If you feel that we have not lived up to our online privacy
commitments or you have any queries relating to our policies,
please email us. Our objective is to respond within our service
standard of five working days.

As we plan to keep our statement on privacy
current, this information can be subject to change. Please
return periodically to review the latest on Internet privacy.

For more information about our commitment
to securing your personal
information Contact
Us.